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The Neodesha Savings and Loan Association, FSA, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$962,0009,885
Total interest expense$524,0009,643
Net interest income$438,00010,027
Provision for loan and lease losses$12,0008,074
Total noninterest income$152,0008,197
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$152,0005,647
Total noninterest expense$493,0009,805
Salaries and employee benefits$251,0009,871
Premises and equipment expense$114,0008,398
Additional noninterest expense$128,0009,882
Pre-tax net operating income$85,0009,468
Securities gains (losses)$04,449
Applicable income taxes$32,0008,664
Income before extraordinary items$53,0009,612
Extraordinary gains, net$032
Net income$53,0009,611
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,250
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$53,0009,549
1997-12-31 (YTD Data)Rank
Total interest income$1,029,00010,277
Total interest expense$558,0009,947
Net interest income$471,00010,442
Provision for loan and lease losses$8,0008,510
Total noninterest income$141,0008,723
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$141,0005,858
Total noninterest expense$502,00010,123
Salaries and employee benefits$258,00010,222
Premises and equipment expense$99,0008,988
Additional noninterest expense$145,00010,058
Pre-tax net operating income$102,00010,057
Securities gains (losses)$03,944
Applicable income taxes$21,0009,704
Income before extraordinary items$81,00010,077
Extraordinary gains, net$044
Net income$81,00010,079
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0009,836
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$81,00010,038
1996-12-31 (YTD Data)Rank
Total interest income$1,022,00010,783
Total interest expense$569,00010,378
Net interest income$453,00010,983
Provision for loan and lease losses$8,0008,671
Total noninterest income$174,0008,623
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$174,0005,546
Total noninterest expense$600,00010,168
Salaries and employee benefits$256,00010,678
Premises and equipment expense$91,0009,522
Additional noninterest expense$253,0009,368
Pre-tax net operating income$19,00010,716
Securities gains (losses)$04,148
Applicable income taxes$3,00010,490
Income before extraordinary items$16,00010,759
Extraordinary gains, net$053
Net income$16,00010,755
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,952
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$16,00010,713
1995-12-31 (YTD Data)Rank
Total interest income$987,00011,302
Total interest expense$513,00010,972
Net interest income$474,00011,459
Provision for loan and lease losses$7,0008,542
Total noninterest income$151,0009,301
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$151,0005,965
Total noninterest expense$529,00010,892
Salaries and employee benefits$240,00011,232
Premises and equipment expense$103,0009,537
Additional noninterest expense$186,00010,608
Pre-tax net operating income$89,00011,141
Securities gains (losses)$03,831
Applicable income taxes$12,00010,895
Income before extraordinary items$77,00011,122
Extraordinary gains, net$065
Net income$77,00011,120
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0007,181
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$77,00011,100
1994-12-31 (YTD Data)Rank
Total interest income$968,00011,767
Total interest expense$460,00011,274
Net interest income$508,00011,978
Provision for loan and lease losses$33,0006,965
Total noninterest income$162,0009,470
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$162,0005,970
Total noninterest expense$543,00011,385
Salaries and employee benefits$252,00011,650
Premises and equipment expense$103,0009,932
Additional noninterest expense$188,00011,305
Pre-tax net operating income$94,00011,669
Securities gains (losses)$03,600
Applicable income taxes$23,00011,093
Income before extraordinary items$71,00011,649
Extraordinary gains, net$0249
Net income$71,00011,657
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0007,270
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$71,00011,686
1993-12-31 (YTD Data)Rank
Total interest income$1,047,00012,183
Total interest expense$513,00011,626
Net interest income$534,00012,456
Provision for loan and lease losses$24,0008,778
Total noninterest income$152,00010,163
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$152,0006,523
Total noninterest expense$546,00011,933
Salaries and employee benefits$235,00012,320
Premises and equipment expense$123,0009,690
Additional noninterest expense$188,00011,892
Pre-tax net operating income$116,00011,747
Securities gains (losses)$07,477
Applicable income taxes$35,00011,268
Income before extraordinary items$81,00012,004
Extraordinary gains, net$03,149
Net income$81,00012,035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0008,470
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$81,00011,818
1992-12-31 (YTD Data)Rank
Total interest income$1,180,00012,641
Total interest expense$699,00011,816
Net interest income$481,00013,145
Provision for loan and lease losses$21,00010,525
Total noninterest income$158,00010,333
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$158,0006,458
Total noninterest expense$484,00012,726
Salaries and employee benefits$210,00013,050
Premises and equipment expense$102,00010,663
Additional noninterest expense$172,00012,638
Pre-tax net operating income$134,00011,675
Securities gains (losses)$08,369
Applicable income taxes$42,00011,481
Income before extraordinary items$92,00012,035
Extraordinary gains, net$01,422
Net income$92,00012,095
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,00010,474
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$92,00011,739

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.